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Established Contributor
Posts: 772
Registered: ‎01-03-2012
0

6 Month Gardening Party!

Well, I was in the garden indefinitely and had just hit 6 months in mid-March, when I got a wild hair up my tail and tried for a mortgage preapproval.  I was approved, but the house offer fell through as well as a probable new job offer, so I decided to apply the brakes and hold off indefinitely on any house purchase.

 

This made me think about what I could do to increase existing CLs (I was OK with a HP) so the inquiries could all age off at the same time; it wouldn't have happened without gardening.  So, here are my results:

 

BoA Travel Rewards         $7200 > $12000

CSP                                  $7500 > $12500

Discover It                         $4500 > $10000

PenFed Visa (new)           $13000 CL

PenFed Auto Approval     $15000 @ 1.74% (same inquiry - buying a second car for my work commute)

USAA Mastercard             $12000 > $20000

 

Overall, a very successful week.  Thanks to all of you on the forum for the knowledge, insight, and support.

 

I'll be hanging out in the garden for the forseeable future... Smiley Happy


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Valued Contributor
Posts: 2,829
Registered: ‎03-14-2012
0

Re: 6 Month Gardening Party!

Congratulations on your great increases and your new PenFed approvals!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

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Super Contributor
Posts: 7,461
Registered: ‎12-11-2011
0

Re: 6 Month Gardening Party!

Congrats!

#JealousOfYourLimits


Community Leader
Senior Contributor
Posts: 30,749
Registered: ‎02-07-2013
0

Re: 6 Month Gardening Party!

My what a difference a day makes Lol

A big congrats 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Established Contributor
Posts: 772
Registered: ‎01-03-2012
0

Re: 6 Month Gardening Party!


myjourney wrote:

My what a difference a day makes Lol

A big congrats 


You're right.  I did previously post an "I'm done" comment somewhere, didn't I?  Smiley Tongue


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Community Leader
Senior Contributor
Posts: 30,749
Registered: ‎02-07-2013
0

Re: 6 Month Gardening Party!

Lol forgiven

Bring the new and the CLI's and come on home/gardenSmiley Wink

First ones on me 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0

Re: 6 Month Gardening Party!

Nice CL's and congrats on the PenFed approvals!

See ya in the garden!
Valued Contributor
Posts: 2,802
Registered: ‎10-10-2012
0

Re: 6 Month Gardening Party!

Very nice, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Established Contributor
Posts: 772
Registered: ‎01-03-2012
0

Re: 6 Month Gardening Party!

Thanks, all.  It's been a crazy (but very rewarding) week.  


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
0

Re: 6 Month Gardening Party!

Very nice increases!!!

CONGRATS!!!!!



EQ FICO 548 3/3/16

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